9134 Chula Vista St #125 · Lely Resort, FL
Flood risk 7/10 · Major
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.76%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 30 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +28.9/30.0
- ARV discount +14.2/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +4.6/10.0
- Condition / age +4.0/5.0
- Rent growth +3.9/5.0
- Livability +3.1/5.0
- Appreciation +0.0/10.0
$359,000
9134 Chula Vista St #125 · Lely Resort, FL 34113
3 bd · 2.5 ba · 1,715 sqft · Condo
· 571 Days on market
Built 2007
2-car garage
$209/sqft
· 15% below area
Est $422k · 15% under
$1237/mo HOA · 20% of rent
↓ 17% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Experience vibrant resort living at Ole in Lely Resort! This desirable end unit, three-bedroom, 2.5-bath townhome with a spacious two-car garage, new roof and HVAC along with carpet and appliances has been lovingly maintained by original owners and is offered turnkey furnished. Enjoy enhanced natural light, added privacy and a thoughtful layout in one of Naples sought-after communities. Whether you're searching for a full-time residence, seasonal escape or potential income-producing investment, this home delivers unmatched flexibility with rental allowances up to 12 times per year, 30-day minimum.
Key facts
- Business center
- Sports courts
- Private cabanas
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath condo listed at $359k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $795 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($6k rent vs $359k).
- Recommended offer: $316k (12.0% below list) — sets the bar for market timing.
- Cap rate 10.4% vs local median 2.5% in Lely Resort — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 61/100 on livability (#786 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A-; Watch: health & safety D, amenities F, commute F.
- Collier (suburban): math 60% / reading 56% proficiency, ranked #16 of 73 in FL (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Lely Elementary School (math 45% / reading 46%, grade D-, #1,247 of 2,144 statewide, top 59%, 499 students, 62% FRL); Manatee Middle School (math 61% / reading 43%, grade C+, #217 of 571 statewide, top 40%, 749 students, 64% FRL); Lely High School (math 40% / reading 39%, grade F, #304 of 667 statewide, top 47%, 1,504 students, 54% FRL).
- Zoned-school proficiency averages 46% at this address vs 58% district-wide (-12 pts) — the specific schools serving this property underperform the Collier average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising fast (+5.6%/yr); 775 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,520 units permitted in Collier County in 2024 (959 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
- Collier County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (-3.0% appreciation + 5.6% rent growth), your $101k cash investment doubles in ~8 years — after that, you're playing with house money.
Negotiation context
- It's been on market 571 days — a 12% lower offer ($316k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts; this cycle's ask is 4687% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$315,920
(12.0% below list)
Questions for the listing agent
- It's been on market 571 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.74% ✓
- Cap rate
- 10.38%
- Cash-on-cash
- 14.58%
- DSCR
- 1.65
- GRM
- 4.8
CMA / ARV
- ARV (median comp)
- $422,252
- List price
- $359,000
- Delta
- -14.98%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 9098 Capistrano St S #7108 | 0.20mi | 3/2.5 | 1,800 (+5%) | 0mo | $409,900 | $228 | 82 |
| 9118 Chula Vista St #12002 | 0.06mi | 2/2.5 (-1) | 1,531 (-11%) | 1mo | $350,000 | $229 | 74 |
| 8515 Chase Preserve Dr | 0.43mi | 2/2.0 (-1) | 1,682 (-2%) | 0mo | $420,000 | $250 | 69 |
| 6622 Alden Woods Cir #101 | 1.46mi | 2/2.0 (-1) | 1,657 (-3%) | 0mo | $535,000 | $323 | 52 |
| 8000 Cordoba Pl | 1.29mi | 3/2.5 | 1,562 (-9%) | 1mo | $730,000 | $467 | 49 |
| 6600 Beach Resort Dr #14 | 0.52mi | 2/2.0 (-1) | 1,351 (-21%) | 0mo | $390,000 | $289 | 44 |
| 6600 Beach Resort Dr #2 | 0.52mi | 2/2.0 (-1) | 1,351 (-21%) | 1mo | $312,500 | $231 | 43 |
| 6830 Beach Resort Dr #12 | 0.56mi | 2/2.0 (-1) | 1,351 (-21%) | 0mo | $385,000 | $285 | 42 |
| 6830 Beach Resort Dr #2602 | 0.56mi | 2/2.0 (-1) | 1,351 (-21%) | 1mo | $340,000 | $252 | 41 |
| 740 Waterford Dr #103 | 0.81mi | 3/2.0 | 1,946 (+14%) | 1mo | $330,000 | $170 | 40 |
| 7940 Mahogany Run Ln #611 | 1.00mi | 3/2.0 | 1,454 (-15%) | 1mo | $410,000 | $282 | 37 |
| 8062 Palomino Dr #42 | 1.21mi | 2/2.0 (-1) | 1,470 (-14%) | 1mo | $480,000 | $327 | 33 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 5.59% rent growth · sell at horizon
5-year hold
- IRR
- 2.5%
- Equity multiple
- 1.10×
- Total profit
- $10,287
- Equity at exit
- $53,528
10-year hold
- IRR
- 15.6%
- Equity multiple
- 2.50×
- Total profit
- $151,018
- Equity at exit
- $31,040
Cash invested: $100,520 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.
Active competition Active MLS
- For sale now
- 31 active · 10 under contract
- Median asking
- $349,900 ($254/sqft)
- Median days on market
- 130 d
- This list price
- 52% of active listings are priced below it
- ARV vs active asking
- -3.1% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34113
- Rents YoY
- 5.6%
- Active inventory
- 775
- Price-to-rent
- 4.8×
Monthly cashflow live
↻
- Estimated rent
- $6,252 high interval (Pro) →
- Mortgage (P&I)
- −$1,883
- Tax est. 1.5%
- −$449 /mo · $5,385/yr
- Insurance
- −$150
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$1,237
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,313
- Net cashflow
- $795
Break-even live
Break-even rent
$5,246
Max offer price
$359,000
Occupancy floor
82%
Sensitivity live
| Price | -10% $1,043 | -5% $919 | +0% $795 | +5% $671 | +10% $547 |
|---|---|---|---|---|---|
| Rent | -10% $301 | -5% $548 | +0% $795 | +5% $1,042 | +10% $1,289 |
| Rate | -1.0pp $976 | -0.5pp $886 | base $795 | +0.5pp $702 | +1.0pp $607 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $89,750
- Closing costs
- $10,770
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 9126 Chula Vista St #12302 Naples, FL | 3.0 | 2.0 | 1674 | $6,500 | $3.88 | 10d | 1 | 0.04mi |
| 9126 Chula Vista St #12301 Naples, FL | 3.0 | 2.5 | 1989 | $7,700 | $3.87 | 51d | 1 | 0.04mi |
| 9126 Chula Vista St #12302 Naples, FL | 3.0 | 2.0 | 1674 | $6,500 | $3.88 | 21d | 1 | 0.04mi |
| 9118 Chula Vista St #12002 Naples, FL | 2.0 | 2.5 | 1531 | $4,200 | $2.74 | 164d | 1 | 0.06mi |
| 9151 Delano St #9701 Naples, FL | 3.0 | 2.5 | 2084 | $8,500 | $4.08 | 21d | 1 | 0.09mi |
| 9151 Delano St #9701 Naples, FL | 3.0 | 2.5 | 2084 | $8,500 | $4.08 | 10d | 1 | 0.09mi |
| 9111 Chula Vista St #11603 Naples, FL | 2.0 | 2.5 | 1754 | $3,000 | $1.71 | 10d | 1 | 0.09mi |
| 9151 Delano St #9702 Naples, FL | 3.0 | 2.5 | 1733 | $2,650 | $1.53 | 154d | 1 | 0.09mi |
| 9155 Delano St Unit 1545913P Naples, FL | 3.0 | 2.0 | 1797 | $3,871 | $2.15 | 154d | 1 | 0.10mi |
| 9161 Chula Vista St Unit 135-2 Naples, FL | 4.0 | 3.0 | 1776 | $7,500 | $4.22 | 164d | 1 | 0.10mi |
| 9161 Chula Vista St Unit 135-2 Naples, FL | 4.0 | 3.0 | 1776 | $7,500 | $4.22 | 10d | 1 | 0.10mi |
| 9161 Chula Vista St Unit 135-2 Naples, FL | 4.0 | 3.0 | 1776 | $7,500 | $4.22 | 29d | 1 | 0.10mi |
| 9159 Delano St #9905 Naples, FL | 3.0 | 2.0 | 1770 | $4,995 | $2.82 | 164d | 1 | 0.10mi |
| 9159 Delano St #9905 Naples, FL | 3.0 | 2.0 | 1770 | $4,995 | $2.82 | 10d | 1 | 0.10mi |
| 9159 Delano St #9905 Naples, FL | 3.0 | 2.0 | 1770 | $4,995 | $2.82 | 51d | 1 | 0.10mi |
| 9102 Chula Vista St #11302 Naples, FL | 2.0 | 2.5 | 1531 | $2,695 | $1.76 | 162d | 1 | 0.12mi |
| 9115 Capistrano St S #8207 Naples, FL | 2.0 | 2.5 | 1494 | $6,000 | $4.02 | 164d | 1 | 0.12mi |
| 9115 Capistrano St S #8207 Naples, FL | 2.0 | 2.5 | 1494 | $6,000 | $4.02 | 10d | 1 | 0.12mi |
| 9111 Capistrano St S #8303 Naples, FL | 2.0 | 2.5 | 1432 | $7,500 | $5.24 | 164d | 1 | 0.14mi |
| 9111 Capistrano St S #8303 Naples, FL | 2.0 | 2.5 | 1432 | $6,000 | $4.19 | 24d | 1 | 0.14mi |
| 9109 Yuba Ln Unit 80 Naples, FL | 3.0 | 2.5 | 1729 | $3,900 | $2.26 | 164d | 1 | 0.15mi |
| 9092 Chula Vista St #11003 Naples, FL | 2.0 | 2.0 | 1404 | $6,850 | $4.88 | 10d | 1 | 0.15mi |
| 9092 Chula Vista St #11003 Naples, FL | 2.0 | 2.0 | 1404 | $6,850 | $4.88 | 21d | 1 | 0.15mi |
| 9088 Chula Vista St Unit 108-3 Naples, FL | 2.0 | 2.0 | 1404 | $5,700 | $4.06 | 10d | 1 | 0.17mi |
| 9088 Chula Vista St Unit 108-3 Naples, FL | 2.0 | 2.0 | 1404 | $5,700 | $4.06 | 164d | 1 | 0.17mi |
| 9187 Celeste Dr Unit 1073494P Naples, FL | 2.0 | 2.0 | 1399 | $2,764 | $1.98 | 2d | 1 | 0.18mi |
| 9102 Capistrano St S Unit 72-3 Naples, FL | 2.0 | 2.5 | 1520 | $6,500 | $4.28 | 10d | 1 | 0.20mi |
| 9102 Capistrano St S #7209 Naples, FL | 2.0 | 2.5 | 1494 | $6,000 | $4.02 | 10d | 1 | 0.20mi |
| 9102 Capistrano St S #7209 Naples, FL | 2.0 | 2.5 | 1494 | $6,000 | $4.02 | 29d | 1 | 0.20mi |
| 9072 Rialto St #6302 Naples, FL | 3.0 | 2.0 | 1771 | $8,000 | $4.52 | 10d | 1 | 0.25mi |
| 9081 Albion Ln S #6510 Naples, FL | 3.0 | 2.5 | 2004 | $6,280 | $3.13 | 21d | 1 | 0.25mi |
| 9076 Rialto St Unit 62 Naples, FL | 3.0 | 2.5 | 1624 | $7,500 | $4.62 | 10d | 1 | 0.25mi |
| 9076 Rialto St Unit 62 Naples, FL | 3.0 | 2.5 | 1624 | $7,500 | $4.62 | 38d | 1 | 0.25mi |
| 9076 Rialto St Unit 62 Naples, FL | 3.0 | 2.5 | 1624 | $7,500 | $4.62 | 164d | 1 | 0.25mi |
| 9081 Albion Ln S #6505 Naples, FL | 2.0 | 2.0 | 1225 | $7,500 | $6.12 | 164d | 1 | 0.25mi |
| 9073 Rialto St #6002 Naples, FL | 3.0 | 2.0 | 1771 | $7,500 | $4.23 | 10d | 1 | 0.28mi |
| 9077 Rialto St #6101 Naples, FL | 3.0 | 2.5 | 1744 | $6,500 | $3.73 | 10d | 1 | 0.29mi |
| 8967 Lely Island Cir Naples, FL | 3.0 | 2.0 | 2056 | $17,000 | $8.27 | 164d | 1 | 0.30mi |
| 9071 Albion Ln N #5706 Naples, FL | 2.0 | 2.5 | 1441 | $2,200 | $1.53 | 164d | 1 | 0.31mi |
| 9071 Albion Ln N #5706 Naples, FL | 2.0 | 2.5 | 1441 | $2,200 | $1.53 | 10d | 1 | 0.31mi |
Property features AI
Finance
- Other
- Part of a larger community with multiple buildings and units (complex contains many units)
- HOA & community
- Mandatory HOAProfessional managementQuarterly master HOA feeAmenities include clubhouse, community pool and spa, exercise room, tennis, pickleball, bocce, bike/jog paths, theater, restaurant, business center, library, and internet accessHOA covers cable, insurance, internet/Wi‑Fi, lawn/land maintenance, manager, recreation facilities, reserves, street lights and maintenance, trash removal, and waterTotal annual recurring fees reportedOne-time fees applicable
Exterior
- Parking
- Attached 2-car garageNo additional parking
- Security
- Impact-resistant windows and doorsSmoke detectors
- Utilities
- Central waterCentral sewerCable availableElectric service (for heat and cooling)
- Home design
- Residential townhouse2-story end unitRear exposure facing southeastBuilt in 2007Part of Lely Resort development
- Construction
- Concrete block construction
- Exterior features
- Stucco exteriorTile roofImpact-resistant windowsImpact-resistant doorsZero lot lineLandscaped area viewPaved road accessIrrigation: central and reclaimed
Interior
- Kitchen
- Pantry / walk-in pantryRangeMicrowaveDishwasherDisposalRefrigerator
- Bedrooms
- 3 bedroomsMaster bedroom located upstairs
- Flooring
- CarpetTile
- Bathrooms
- 2 full bathrooms1 half bathroomMaster bath with dual sinks, jetted tub, and separate tub and shower
- Heating & cooling
- Central electric heatCentral electric air conditioning
- Interior features
- High-speed internet availablePantry / walk-in pantrySmoke detectorsVolume ceilingsWalk-in closetPantryLoftGuest roomGuest bathLaundry in residenceTurnkey furnished
- Laundry & utility
- Washer and dryer in residenceAuto garage door
HOA detail $1,237/mo · $14,844/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-11-08days on market $359,000 Active 571 DOM
-
2026-11-07days on market $359,000 Active 570 DOM
-
2026-11-06days on market $359,000 Active 569 DOM
-
2026-11-05days on market $359,000 Active 568 DOM
-
2026-11-04days on market $359,000 Active 567 DOM
-
2026-11-02days on market $359,000 Active 565 DOM
-
2026-11-01days on market $359,000 Active 564 DOM
-
2026-10-31days on market $359,000 Active 563 DOM
-
2026-10-30days on market $359,000 Active 562 DOM
-
2026-10-29days on market $359,000 Active 561 DOM
-
2026-10-28days on market $359,000 Active 560 DOM
-
2026-10-27days on market $359,000 Active 559 DOM
-
2026-10-26days on market $359,000 Active 558 DOM
-
2026-10-25days on market $359,000 Active 557 DOM
-
2026-10-24days on market $359,000 Active 556 DOM
-
2026-10-23days on market $359,000 Active 555 DOM
-
2026-10-22days on market $359,000 Active 554 DOM
-
2026-10-21price $359,000 Active 553 DOM
-
2026-10-21days on market $399,900 Active 553 DOM
-
2026-10-20days on market $399,900 Active 552 DOM
-
2026-10-19days on market $399,900 Active 551 DOM
-
2026-10-18days on market $399,900 Active 550 DOM
-
2026-10-17days on market $399,900 Active 549 DOM
-
2026-10-16days on market $399,900 Active 548 DOM
-
2026-10-15days on market $399,900 Active 547 DOM
-
2026-10-14days on market $399,900 Active 546 DOM
-
2026-10-13days on market $399,900 Active 545 DOM
-
2026-10-12days on market $399,900 Active 544 DOM
-
2026-10-11days on market $399,900 Active 543 DOM
-
2026-10-10days on market $399,900 Active 542 DOM
-
2026-10-09days on market $399,900 Active 541 DOM
-
2026-10-08days on market $399,900 Active 540 DOM
-
2026-10-07days on market $399,900 Active 539 DOM
-
2026-10-07days on market $399,900 Active 538 DOM
-
2026-10-05days on market $399,900 Active 537 DOM
-
2026-10-04days on market $399,900 Active 536 DOM
-
2026-10-04days on market $399,900 Active 535 DOM
-
2026-10-02days on market $399,900 Active 534 DOM
-
2026-10-01days on market $399,900 Active 533 DOM
-
2026-09-29days on market $399,900 Active 531 DOM
-
2026-09-28days on market $399,900 Active 530 DOM
-
2026-09-26days on market $399,900 Active 528 DOM
-
2026-09-25days on market $399,900 Active 527 DOM
-
2026-09-24days on market $399,900 Active 526 DOM
-
2026-09-23days on market $399,900 Active 525 DOM
-
2026-09-22days on market $399,900 Active 524 DOM
-
2026-09-20days on market $399,900 Active 522 DOM
-
2026-09-18days on market $399,900 Active 520 DOM
-
2026-09-17days on market $399,900 Active 519 DOM
-
2026-09-16days on market $399,900 Active 518 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 7/10 Severe FEMA zone AE · 76% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $75,029
- − Mortgage interest
- −$20,110
- − Property taxes
- −$5,385
- − Insurance
- −$6,914
- − Repairs & maintenance
- −$6,002
- − Management
- −$6,002
- − HOA
- −$14,844
- − Depreciation
- −$10,444
- Taxable income
- $5,329
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$1,279
- After-tax cash flow
- $8,260/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 13 photos
80/100
Cosmetic rehab
Est. rehab $8,575–$25,725 screening
This townhouse is in good condition with no major repairs needed. It has a good curb appeal and is move-in ready. Consider painting the exterior and upgrading the HVAC system to further increase its value.
Value-add opportunities
- Both Paint the exterior walls and siding — Painting the exterior walls and siding can improve the curb appeal and increase the home's value for both resale and rental. ↑
- Both Upgrade the HVAC system — Upgrading the HVAC system can improve the comfort and energy efficiency of the home, which can increase its value for both resale and rental. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 46/100
Zoned Schools
Elementary
Lely Elementary School
D-
FL #1,247/2,144
Nat'l #15,746/41,679
Middle
Manatee Middle School
C+
FL #217/571
Nat'l #3,033/14,009
High
Lely High School
F
FL #304/667
Nat'l #8,293/17,239
Schools (NCES district)
- District
- Collier
- NCES district ID
- 1200330
- Math proficiency
- 60% ▼ -4.00%
- Reading proficiency
- 56% ▼ -2.00%
- Median HH income
- $58,275
- Composite
- 50.23/100
- National rank
- #1892
- State rank
- #16 of 73 in FL
C
Composite livability gradescore 61/100
Livability — Lely Resort
- Score
- 61/100
- State rank
- #786
- US rank
- #17981
Category grades
Amenities F
Commute F
Cost of living F
Crime A+
Employment A-
Housing D-
Health & safety D
User ratings A+
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lely Resort, FL
- County
- Collier County · 420,858 people
- Metro
- Naples-Marco Island, FL
- Population (ZIP)
- 26,056
- Household income
- $81,674
- Rent vs Own
- Severe rent burden
- 12% of renters
Population outlook (Collier County) Hauer SSP2
- Today (2025)
- 420,858 people
- By 2030
- 450,054 · +6.9%
- By 2040
- 502,232 · +19.3%
- By 2050
- 544,932 · +29.5%
- By 2075
- 627,203 · +49.0%
- By 2100
- 659,015 · +56.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.59)
- Race & ethnicity
- White 56% Hispanic / Latino 28% Black 12% Two or more races 11% Asian 2%
- Hispanic origin (detail)
- Mexican 17% Puerto Rican 3% Cuban 2%
- Languages at home
- 63% English-only · Spanish 24% French/Haitian/Cajun 9% Other Indo-European 2%
Political lean MEDSL · Collier
- 2024 margin
- Solid R (+33.1) · D 33.1% · R 66.2%
- 2008→2024 swing
- -10.6pp toward R · 2008: -22.5pp · 2024: -33.1pp
- All cycles
- 2024: R+33.1 2020: R+24.7 2016: R+26.0 2012: R+30.1 2008: R+22.5
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -194.86%
- Current HPI
- 279.4232
- Rent YoY
- ▲ 5.59%
- Metro
- Naples-Marco Island, FL
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
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| Insurance | 2 | $17B |
|
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| Retail | 1 | $60B |
|
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| Technology Distribution | 1 | $58B |
|
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| Homebuilding | 1 | $35B |
|
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| Technology Manufacturing | 1 | $35B |
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Price history
-16.5% since first listed6 events — show timeline
- 2026-05-05 Price Changed $399,900 NAPLESMLS
- 2026-03-09 Price Changed $409,000 NAPLESMLS
- 2026-01-08 Listed for Rent $7,500 FGCMLS
- 2026-01-08 Rental Removed $7,500 NAPLESMLS
- 2025-08-13 Listed for Rent $7,500 NAPLESMLS
- 2025-04-16 Listed $479,000 NAPLESMLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…